So my beloved 1.8T which had just had a sh!t-ton of work and MOT done on it, was stolen a couple of weeks ago. It was found crashed backwards into a building with 'substantial rear damage'. Police said (even though it was found with the driver's side door open) that there was no evidence of theft and that it would probably go down as mechanical failure (on a car that's just gone through its MOT). Anyway, I went to see the car at the garage where it's being assessed to collect some personal belongings, one of which being the sat nav i keep in the glove box. Guess what...no sat nav! So the handbrake failed and the sat nav spontaneously combusted eh? Called the police and updated them, so now they're recognising it as a crime. Result, thinks I.
But no, I've just got off the phone with Direct Line who have kindly informed me that as no-one was caught and therefore there's no third-party to recover costs from, I will lose my 3 years' no claims bonus, and this will be marked down as a 'fault claim'! So some scrote decides to have a go at my pride and joy and I end up getting shafted on insurance premiums with a 'fault claim' on my records?! Are Direct Line allowed to do this? Seems very fishy/unfair to me!
